Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$87,227Cash toward the purchase price.
Closing costs + prepaids$16,841Not just lender fees.
Before credits & paid funds$104,068The complete starting cash picture.
Estimated remaining funds due at closing
$104,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,227.40
Your down payment$87,227.40
Closing costs + prepaids$16,840.90
Total buyer cash needed$104,068.31
Remaining funds due$104,068.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,563.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$594.25
Prepaid interest, first (31 days)$2,216.29
Fees + prepaids$16,840.90
Your down payment is the seller’s equity. You take over the $512,673 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $104,068.31 is due at closing. Uses and sources reconcile at $616,740.90 each. Not a Closing Disclosure.